(AOL Black Voices) — Of all the lessons learned during the Great Recession, perhaps the biggest one is that Americans are woefully lacking in financial literacy. If that wasn’t the case, there wouldn’t have been so many millions of people in foreclosure, deep in debt, or living on the edge after a job loss because they had no savings. Fortunately, we can all do something about this — even if you feel like you need a money-management lesson yourself. The federal government wants your opinion about how to improve financial literacy in America. The Department of the Treasury, in its capacity as Chair of the Financial Literacy and Education Commission, has invited the public to comment on a proposed set of financial education basics known as “core competencies.”